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Home Loan Top Up

Get a small loan to make your home even more beautiful.

What does an HFFC top up loan give you?

Emergency fund

An additional loan to meet your immediate needs.

Quick approvals

Our skilled team makes decisions rapidly, so that you can get your loan instantly!

Apply for Home Loan Top Up

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Top Cities

* I declare that the information I have provided is accurate to the best of my knowledge. I hereby authorize HFFC and their affiliates to call and/or send texts via SMS to me for promoting their products.

Interest Rates

Floating

Minimum

Maximum

17.00%

18.00%

Additional fees such as stamp duty, e-filing charges, CERSAI filing charges, and other statutory dues applicable on the Memorandum of Equitable Mortgage may vary depending on the location, and will be charged in addition to processing fees. If you opt for a fixed rate of interest, please add 2% to the rates mentioned above.

*GST @ 18.00%

Eligibility

Loans are available to all existing and former customers of HFFC, or all individuals with a steady source of income. Find your eligibility with our handy calculator.

FAQ’s

An HFFC home loan top up is a small loan, on top of your existing home loan. It is designed to give you a little more flexibility to make your home even better than previously possible. It can also be used to cover any unforeseen emergency expenses that might come up.

Home loan top ups are available for both existing and new customers. For existing customers, we expect to see a regular repayment history, going back at least a year. For new customers, we would require proof of good credit history. The total loan amount cannot exceed 90% LTV.

To find a full and comprehensive list of documents that we require and accept, please check this article . Existing customers of HFFC do not need to resubmit their identification and address documents to apply for this loan, but there would be a re-evaluation of the property.

Your EMI amount for the home loan top up is calculated based on the rate of interest determined at the time of loan approval. You will be given a figure for your EMI payment every month, and the amount will be deducted directly from your bank account.

A top up loan is a separate loan over and above your existing home loan. Therefore, it will attract a different rate of interest. Please contact your loan representative for more details and assistance.

Absolutely. HFFC has blended two of our products, Balance Transfer of Home Loans and Home Loan Top up for this very case. Transfer your existing loan to HFFC, and if you need extra funds, we will increase the loan amount accordingly.

In terms of processing, top up loans are identical to the existing loan, as it is a subset of the original loan taken. If the existing loan has a co-applicant, the top up loan will also have the same co-applicant. Similarly, in case the original loan doesn’t have a co-applicant, one cannot be added for the top up loan.